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公开(公告)号：US12105689B2
公开(公告)日：2024-10-01
申请号：US17696641
申请日：2022-03-16
发明人： Xiaoqiao Wei , Christopher Kallas , Wentao Lu , Carlos A. Garavito Garzon , Jon Doyle , Ding Ma
CPC分类号： G06F16/2246 , G06F16/288
摘要： A method comprises storing a plurality of accounts; and generating a hierarchical data structure from the plurality of accounts by: identifying a first set of accounts and a second set of accounts responsive to the first set of accounts and the second set of accounts satisfying a first set of rules; linking the first set of accounts to a first entity profile and the second set of accounts to a second entity profile; and responsive to the first plurality of profile attribute-value pairs and the second plurality of profile attribute-value pairs of the second entity profile satisfying a second set of rules, linking the first entity profile and the second entity profile to a household entity profile by inserting a household identifier into a household attribute-value pair of each account of the first set of accounts and the second set of accounts.
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公开(公告)号：US11941633B2
公开(公告)日：2024-03-26
申请号：US17082664
申请日：2020-10-28
发明人： Christopher Kallas , Xiaoqiao Wei
CPC分类号： G06Q20/4016 , G06Q20/4015 , G11C11/41
摘要： The disclosure describes an apparatus having programmed instructions that when executed cause the apparatus to receive, via a communication network, information regarding suspicious fraud activity at a first location involving a plurality of transaction cards; monitor changes over a first time interval to received information regarding suspicious fraud activity at the first location; and identify a point-of-compromise (POC) location based on monitored changes surpassing a threshold indicating suspicious fraud activity at the first location over the first time interval.
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公开(公告)号：US20240070688A1
公开(公告)日：2024-02-29
申请号：US17898898
申请日：2022-08-30
发明人： Giacomo Domeniconi , Samuel Assefa , Ronald Burns
CPC分类号： G06Q30/0202 , G06N3/08
摘要： A method comprises generating a first feature vector comprising a plurality of values for a plurality of transactions, each of the plurality of transactions corresponding to an account and performed within a defined time period, and a second feature vector comprising an attribute value of an attribute of the account; inserting the first feature vector into a first encoder of a machine learning model to generate a transaction embedding and the second feature vector into a second encoder of the machine learning model to generate an attribute embedding; concatenating the transaction embedding and the attribute embedding to generate a concatenated embedding; and generating an account prediction value by propagating the concatenated embedding into a set of prediction layers of the machine learning model.
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公开(公告)号：US11113696B2
公开(公告)日：2021-09-07
申请号：US16369697
申请日：2019-03-29
摘要： An illustrative embodiment disclosed herein is a method including assigning, by a virtual assistant computing device, a transaction intent associated with a mobile device user for a transaction and determining by the virtual assistant computing device, whether the transaction is in accordance with policy. The method further includes sending by the virtual assistant computing device, a policy decision recommendation to the mobile device and receiving, by the virtual assistant computing device, a response from the mobile device indicating whether to perform the transaction. The method further includes facilitating, by the virtual assistant computing device, performance of the transaction and generating, by the virtual assistant computing device, an expense report associated with the transaction.
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公开(公告)号：US20230087384A1
公开(公告)日：2023-03-23
申请号：US17941332
申请日：2022-09-09
摘要： The present disclosure describes a method for virtual card generation and provisioning. The method may include receiving a request comprising a list of a plurality of identifiers, the remote computing device transmitting the single request to the processor in response to the remote computing device detecting an event; parsing the list of the plurality of identifiers into a first set of identifiers and a second set of identifiers; retrieving a first restriction policy and a second restriction policy; generating a plurality of virtual cards for the plurality of entities by generating a first set of accounts and a second set of accounts; and linking a first set of virtual cards to corresponding accounts of the first set of accounts and a second set of virtual cards to corresponding accounts of the second set of accounts; and provisioning the generated plurality of virtual cards to the remote computing device.
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公开(公告)号：US11436603B2
公开(公告)日：2022-09-06
申请号：US16164609
申请日：2018-10-18
发明人： Michael F. Roche , Kevin Salaman
摘要： A system and method include receiving, by an authentication system, device data of a computing device used by a customer during a checkout process of a current transaction on a merchant website and contextual data of the customer. The system and method also include retrieving a customer token associated with a payment instrument of the customer, assigning the computing device a device score and the customer a customer score based on the device data and the contextual data, and computing an overall score from the device score and the customer score. The system and method further include determining from the overall score that the current transaction is not fraudulent before the current transaction is completed and auto-filling payment information of the payment instrument in the customer token during the checkout process of the merchant website to complete the current transaction upon determining that the current transaction is not fraudulent.
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公开(公告)号：US10983983B2
公开(公告)日：2021-04-20
申请号：US15915864
申请日：2018-03-08
发明人： Christopher J. Kallas , Xiaoqiao Wei , Wentao Lu
IPC分类号： G06F16/00 , G06F16/23 , G06F16/951
摘要： Disclosed are a method, a system, and a non-transitory computer readable medium for identifying data entries associated with an entity. A first rule is applied on a plurality of data entries associated with a plurality of entities to obtain a first set of data entries from the plurality of data entries. Each data entry includes corresponding attributes. The first rule is to search for data entries with a first group of attributes. A second rule is applied on the plurality of data entries associated with a plurality of entities to obtain a second set of data entries from the plurality of data entries. The second rule is to search for data entries with a second group of attributes. A third set of data entries associated with a single entity is obtained based on the first set of data entries and the second set of data entries.
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公开(公告)号：US20210073820A1
公开(公告)日：2021-03-11
申请号：US17082664
申请日：2020-10-28
发明人： Christopher Kallas , Xiaoqiao Wei
摘要： The disclosure describes an apparatus having programmed instructions that when executed cause the apparatus to receive, via a communication network, information regarding suspicious fraud activity at a first location involving a plurality of transaction cards; monitor changes over a first time interval to received information regarding suspicious fraud activity at the first location; and identify a point-of-compromise (POC) location based on monitored changes surpassing a threshold indicating suspicious fraud activity at the first location over the first time interval.
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公开(公告)号：US20200311729A1
公开(公告)日：2020-10-01
申请号：US16369697
申请日：2019-03-29
摘要： An illustrative embodiment disclosed herein is a method including assigning, by a virtual assistant computing device, a transaction intent associated with a mobile device user for a transaction and determining by the virtual assistant computing device, whether the transaction is in accordance with policy. The method further includes sending by the virtual assistant computing device, a policy decision recommendation to the mobile device and receiving, by the virtual assistant computing device, a response from the mobile device indicating whether to perform the transaction. The method further includes facilitating, by the virtual assistant computing device, performance of the transaction and generating, by the virtual assistant computing device, an expense report associated with the transaction.
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公开(公告)号：US10102524B2
公开(公告)日：2018-10-16
申请号：US15173484
申请日：2016-06-03
摘要： An illustrative apparatus includes a memory, a processor coupled to the memory, and a first set of instructions stored on the memory that can be executed by the processor. The processor is configured to determine authentication data, where the authentication data comprises an indication that a first functionality of a second set of instructions can be controlled and where the second set of instructions is separate from the first set of instructions. The processor is further configured to send to a user interface, an indication of the first functionality. The processor is further configured to receive, through the user interface, a request to control the first functionality of a second set of instructions that is separate from the first set of instructions. The processor is further configured to send an order to control the first functionality of the second set of instructions.
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